Who is liable if they borrow your boat and have an accident and there are injuries and no insurance?

Depending on the situation and the location in which the accident happened, both the driver and the owner of the boat can be legally liable for damages caused. That's why it's always important to have boat insurance, and why it's equally important to be careful who you allow to drive your boat.

United Marine Underwriters provides boat insurance nationwide and has a comprehensive boat insurance guide that can answer a lot of other questions about coverage and miscellaneous details.